Judy, I know what Rachel is referring too.  The lender thinks that since the credit report is so good, an A borrower as apposed to a b/c or sub-prime, they think that they are not the risk others with poorer credit are.

I have done these orders where they request the current deed, tax id # and the current effective date and a week or so later we have a mortgage to record and their docufile sheets say "Do Not do a bringdown, record as is" even when we know there are judgments and other mtg's. 

Don't they realize that paying that $50 for a current owner will insure their money later if for some reason there is a foreclosure or even just so their lien is in the priority they want it to be.

I had one last week where there were several IRS liens on record.  They didn't want them.  And we all know those take priority over everything.